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Frequently Asked Questions
How did you decide to get into your line of work?
As the Director of Giari, I have a strong background in finance. My first entrance into the world of finance was when an insurance company approached me with a proposal to join the team and offer financial advice in terms of insurance in the form of commercial as well as personal policies.
Since then, I have continued to progress in finance and leave my mark in the industry.
What do you like most about your job?
Every case is different which is one of the most exciting features of financial services. Everyone has their own goals, objectives and situations, so it's up to us at Giari Finance to ensure we understand that and find solutions to better the lives of our customers.
What questions should a customer ask to hire the right service professional?
What professional organisations are you a member of?
Are you licensed to sell your services?
What level of service can I expect in terms of response times?
Who will be my main point of contact?
Why should I go with your company over someone else?
Is what you're offering going to benefit me, or only your company?
What experience, skills, qualifications or training do you have to make you the right person for the job?
With several years of financial experience our staff are certified in terms of qualifications set out by the industry standards.
Giari Group Pty Ltd maintain membership with the FBAA and COSL for the protection of our consumers.
As a financial services broker, we constantly undergo training to remain up to date with industry changes as well as keeping ahead with changes in legislation.
We also have formal agreements with each of our lenders to ensure that product training is routinely delivered to our staff so that we can answer your questions and provide the most suited financial products.
Is there a particular aspect of your trade or industry that you specialise in?
- First home purchase
Commercial and Business
- Asset finance
- Business term loans
We also offer excellent personal loans.
How do you normally charge for your service?
In some cases there can be a broker fee payable for the financial services done in complex loans or requests. Generally, our services are paid as a commissions by the lender / bank.
Are you an insured business and do you guarantee your work?
We are an insured company and hold professional indemnity insurance as industry requires brokers to have. In order to be a member of the FBAA and accredited, it is mandatory to obtain PI Insurance cover.
What are the typical things that you need to know before you can provide a quote to a customer?
We'll require your personal information, such as income, identity, job status and other information in order to establish your objectives, verify identity and calculate borrowing capacity versus repayments.
All the required information will be discussed under confidential agreements.
What questions do customers commonly ask and how would you answer them?
Some of the most common questions are:
1. How much can I borrow - the answer to that question depends on each individual’s lifestyle and financial situation. It also depends on what it is they want to purchase and the objective or reasons for the loan request.
2. What is my interest rate - the rate depends on the type of product, the option selected (for example fixed or varied), the term, loan type as well as risk.
3. Why must I use a broker - a great question with a great answer. A broker often has the ability to offer a range of options from different lenders. Meaning you don't have to spend weeks researching the ideal loan product. Brokers have all the comparison tools, calculators and products that suit and they can help streamline your application. Another great benefit is the opportunity to ask for advice and become better informed before making any large financial decisions.
What makes you the most reliable and trustworthy person for the job?
As a proud member of the FBAA we are obliged to policies and regulation that ensures our clients can trust the service we provide them. This ensures that consumers are protected as members are engaged in continual review and improvement programs.
How can a customer save money before you start the work? Please give 3 tips
1. Ensure you have a personal budget in place so that you understand your financial situation.
2. Stay in control of your finances.
3. Do not live beyond your means and level of affordability.
What makes your pricing competitive?
As finance professionals, our duty is to find the best suited deal for our customers. A serious advantage that we have for our clients is the ability to compare difference loan offers between the lenders on our panel. Rather than approaching each bank individually, we have facilities in place that enable us to compare and perform extensive research into a number of factors that are important to you. Such as rates, fees, features and flexibility.
Why should a customer hire you over another service provider?
At Giari Finance we believe in ongoing support and service. Don't feel left in the dark after your loan settles. We strive to ensure you remain in a good position through loan reviews, feedback and ongoing relational communication. We aim to know our clients well so that they feel part of our company and culuture. We believe in syngergy and working together with our clients.
Are there any special offers you would like to offer to Oneflare customers?
Excellent finance offers for those with an own house + investment property. We have a product in place to get the most financial benefit from your property portfolio. Lending criteria applies.